June 20 13, Kong Xiangwei, who graduated from university, entered a foreign bank in Nanjing to engage in customer wealth management business with excellent results. During my work, due to my outstanding performance, I participated in a number of leveraged investments and made a lot of profits. Since March 20 14, Kong Xiangwei has borrowed more than 2 million yuan from relatives and friends for leveraged investments, such as gold speculation and futures trading. Due to the stock market crash in 20 15, by June of 20 10, the total loss was more than 3 million yuan. Because Kong Xiangwei's girlfriend's family is relatively well-off, after learning that Kong Xiangwei's investment failed, the woman offered to contribute 6,543,800 yuan to help Kong Xiangwei repay the debt, on the condition that Kong Xiangwei would adopt his wife and family. Kong Xiangwei reluctantly agreed to the terms of his girlfriend's family, repaid part of the loan from his friend in Ning, resigned on 20 156438+0 1 and returned to Hai 'an to get married.
With desire,
Due to Kong Xiangwei's delay in repaying the remaining loan of more than 2 million yuan, creditors kept coming to collect debts and even made a fuss about Kong Xiangwei's wedding, which made Kong Xiangwei and his wife's family lose face. How to repay the loan and re-establish his image as a financial white-collar worker in the eyes of his wife and family is something that Kong Xiangwei plans day and night. Thinking about thinking about it, Kong Xiangwei got the wrong idea about the customer's bank deposit. Originally, after returning to Hai 'an, Kong Xiangwei quickly became the wealth management account manager of a bank in Hai 'an with her own financial background, responsible for recommending wealth management products to customers and absorbing wealth management funds. Kong Xiangwei found that the income of bank wealth management products is relatively low, usually 4% to 5%, while the investment in futures and gold is huge, but the income is 10 times or even 100 times that of bank wealth management products, and there is a huge income difference between them. Therefore, Kong Xiangwei moved his mind. "I can borrow customers' funds to speculate in futures, and then return them to customers according to the bank's wealth management income."
Transfer deposit
On May 20 16, Ma Laohan, who lives in Hai 'an County, heard that the wealth management products of Kong Xiangwei Bank had higher income, so he went to the bank to consult wealth management products. Kong Xiangwei enthusiastically recommended a wealth management product to Ma Laohan with a yield of 4.5%. Ma Laohan thought it was not bad, so he gave Kong Xiangwei 600,000 yuan in his bank card. According to the normal operation of the bank, Kong Xiangwei should use the bank's POS machine to brush the customer's funds into the bank's wealth management account, but Kong Xiangwei applied for a POS machine with his bank card, and put this POS machine and the bank's POS machine on his desk at the same time. When withdrawing the client's funds, he used his POS machine to swipe the client's funds into his account, and then issued a false financial receipt to the client.
Be caught by the police
20 16, 16 February, by chance, Ma Laohan went to a bank in Kong Xiangwei with a financial receipt to inquire about his income. It happened that Kong Xiangwei was on vacation that day, and the bank staff didn't check the investment records, which led to this case. Kong Xiangyu was subsequently arrested and brought to justice by the public security organs. According to Kong Xiangwei's confession, when he committed the crime, although he took advantage of his position as a wealth management account manager, he did not attack everyone, but chose elderly customers who could not operate online banking or use mobile banking. Because these elderly customers think it is safest to deposit their savings in the bank, they generally don't go to the bank to inquire during the deposit period. According to the investigation, up to the time of the crime, Kong Xiangwei * * * transferred deposits 1 1.3 million yuan, resulting in economic losses of nearly 5 million yuan.